Ontario

Member Benefits

Buy This Property Real Estate

Real Estate & Mortgages

Membership benefits come in two categories, Real Estate and Mortgages.

The real estate benefits are numerous and are value added services which can easily be equated to a dollar value.

Mortgage benefits are both value added service items and straight forward financial incentives. Our mortgage services are available Canada wide.

By being a member you have access to either one individually or both. We give our customers the choice because for example; You might live in another part of the province and only need our mortgage services. Or You may already own your home and only need our service at that time for mortgages.

There is a synergy between the two that is compelling. It make sense to have a person who is both a licenced real estate agent and a licenced mortgage agent working on your behalf to optimise the purchase and or sale of your most valuable asset.

Mortgage Benefits

No Cost To You

Mortgages come in many different varieties standard, second, self employed and the list goes on. Our professional services are free to you for most mortgages and certainly standard mortgages. How is it free? The banks pay us to do all the work for them and as a result they pay us a fee for doing all that work. You can relax knowing a licensed independent mortgage professional is working for you. With your best interests at heart and not the banks.

We Pay You – Yes We Pay You!

As all mortgages are different we have a sliding scale but the bottom line is that even with standard mortgages where you pay nothing for our professional services we pay you a percentage of the fee the banks pay us. So in a nut shell, you get independent, experienced professional services when we arrange the best mortgage for you and in the end we pay you!

Why do we do this?

Simple. We believe it’s good business practice. When you see our work we think there’s a very good chance you will use our services for the longer term for both real estate and mortgages. Either way you still get money back no one else will give you.

Revolutionary Synergie

For the first time in Ontario you can use a company that specialises in both real estate and mortgage services. Your home is probably the most valuable purchase of your life. It makes sense to have an independent professional negotiating both purchase and financing. The ability to save you money and time in the short, medium and long terms is compelling.

Mortgage Renewal Date Reminders

3 months before your mortgage renewal date usually 5 years, we will send you a reminder with a comprehensive overview of your possible options going forward. We are keen to keep your best interests at the forefront. Most people don’t realise there are options at this time and just sign back the documents to the bank. Never the wiser that they may have saved thousands of dollars and cut years off their mortgage amortization period.

Annual Mortgage Review

Every year on the anniversary of the purchase of your property we will send you a comprehensive mortgage review. It will show you the state of your mortgage and suggestions to further optimise it with reference to your long and short term financial goals. Even if you didn’t use our services to buy your home we will send you a CMA Comparative Market Analysis of your property. The importance of combining the two cannot be underestimated. Our annual mortgage review becomes particularly important when the term of your loan is up. We will remind y

Real Estate Benefits

Annual CMA – Comparative Market Analysis

Every year on the anniversary of the purchase of your home we will send you a comparative market analysis of it’s current value. It makes sense to track and know what your most valuable asset is worth. If we are providing your mortgage services we will send you an assessment of your mortgage at the same time. The importance of combining the two cannot be underestimated.

The CMA will show you amongst other things what similar properties in your area have been selling for. This may influence your decision to add that new kitchen or perhaps take the advances made in home value and use that to sell and move up.

Ongoing Renovation Advice

Having a professional real estate agent a phone call away to advise on such things as let’s say, the merits of a new kitchen is a valuable service. Most people overcapitalise on kitchen renovations. We’re here to advise you based on the big picture. Is this your forever home? Do you plan to move in the years to come? Is your mortgage up for renewal soon?

We work with you to know and understand your short, medium and long term goals. By combining your real estate and mortgage (financial) goals we are able help you feel comfortable making the sensible financial or emotional decision.

Free Home Staging Consultation

Home staging can cost from hundreds to thousands of dollars depending on the property. Being active real estate agents we know what sells and during the selling process with you, a free home staging consultation is part of the services we provide our members.

If you need more than just some careful arranging of furniture then we will be happy to recommend a number of contractors like painters. People who’s work we know and are confident recommending to one our valued customers.

Trusted Service Professionals

If you can’t find the right tradesperson for that plumbing job or need someone for a kitchen renovation we will be happy to put you in touch with the vetted professionals that make our list. We will always recommend at least two people in a certain trade so you may make the final decision without bias.

We do this because finding good people these days is difficult and being in real estate we see the quality or lack thereof each day from tradespeople we encounter. Only the best make it to our list and it is available to our members. Although every effort is made to assure the quality of these people we do not guarantee their work but are confident you will be happy. The last thing we want is to lose a customer because of the work of a third party.

Long Term After Sales Service

We don’t forget about you once we’ve sold you a home or property. It is our goal to meet your long term real estate and mortgage needs. So you will hear from us at least once a year with your CMA and mortgage update. But if for example one of our goals when we met you was to improve you credit score and a product or the timing comes available to improve on that goal.

Then we will be in touch sooner. You can sleep well at night knowing that your real estate and mortgage needs are being monitored every day and that if we find something that better serves your needs we will let you know.

Peace Of Mind

We hope all of the above free services will help you enjoy what matters in life.

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First Time Home Buyer Mortgage Ontario

Mortgage Information & Advice

First Time Home Buyer Programs

First time home buyer programs cover a wide variety of topics. We provide information on a range of issues that will almost certainly save you thousands of dollars. Or allow you to purchase your first home years sooner than you might have thought.

Having a professional registered Kingston Mortgage Broker helping you at this time is critical. We will assess your needs and current financial position. Then look at where you want to be in the future, which may change but we work with you through the years to fine tune your mortgage as your requirements change.

Feel free to call us at any time with any questions you may have: 613 484 5358

First Time Home Buyers RRSP Plan

First Time Home Buyer Mortgage Land Transfer Tax Rebate

First Time Home Buyer GST – HST Rebate

First Time Home Buyer CMHC Mortgage Insurance

First time home buyers pay nothing for our mortgage services. The banks pay us to do all the work for them.

First Time Home Buyers RRSP Plan

First time home buyers have access to the government RRSP home buyers plan. This great legislation allows you to access up to $25,000 from your RRSP as a downpayment on your first home, tax free! It gets better because many people are purchasing their first home with a partner so that person can access the $25,000 RRSP plan as well. So it’s possible to have $50,000 as a down payment.

As registered professional mortgage agents we deal with these issues on a daily basis and will guide you through the process. Regulations change and the individual needs of each of our clients is different so having an expert piece together all these elements is important.

First time home buyers can look at the option in much more detail by visiting our;

First Time Home Buyers RRSP Plan Page

First Time Home Buyer Tax Credit

First time home buyer tax credits are yet another way of getting into a home sooner than you thought and saving money at the same time. The amount may vary but based on the current legislation as part of the Canada Economic Action Plan most people qualify for a tax rebate of $750. That money isn’t available until claimed on your tax return but can be factored into you budget in the near future as it will come to you.

As always with government legislation there are rules but we will guide you through them. We will also send you a reminder at tax time just in case you forget to claim your free $750. It’s just a small part of the many ongoing free services we provide our customers so your mortgage isn’t one of the things that keep you up at night.

For a very detailed look at the First Time Home Buyers Tax Credit follow the link below.

First Time Home Buyers Land Transfer Tax Rebate

First time home buyer land transfer tax rebates add up to a lot of money and make a huge difference to your first year in your new home. The government of Ontario decided to give a large part of most peoples first home purchase land transfer tax back to them, under certain conditions of course. But we’re talking $2000 back in your pocket.

We will take this amount into consideration when helping you plan the purchase of your first home. The legislation can change at a moments notice but we keep up to date on policy and will advise you of any changes. But at this time it would be our pleasure to help you get the full $2000.

For more detailed information on the Land Transfer Tax Rebate follow the link below.

First Time Home Buyer land Transfer Tax Rebate

First Time Home Buyers GST – HST Housing Rebate

The first time home buyer GST and HST housing rebate is another way to save a considerable amount of money when purchasing your first home. The rebate is limited to people purchasing a newly built home or an existing home which is substantially renovated or a home destroyed by fire. The government will rebate the GST part of receipts incurred at this time.

There are rules which apply to this legislation as it could be open to people taking advantage but if set up the right way by a professional mortgage agent in the planning process it will save you a considerable amount of money in the first year of ownership. As always we will guide you through the process.

For more detailed information on the GST – HST Housing Rebate follow the link below.

First time Home Buyer GST – HST Housing Rebate

First Time Home Buyer CMHC Mortgage Insurance

First time home buyers seldom have more than a 20% downpayment for their first home. As a result the government CMHC insurance company was formed. You don’t get any money back here but it does allow you to own your first home long before many people thought as it allows you to borrow more money and get the home you want.

CMHC insurance protects the lender and that’s why you can have less than 20% down payment. As always legislation changes and we are up to date with all of it so will advise you at the time how best to integrate CMHC insurance into your overall first home purchase.

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Waterfront Homes For Sale Kingston

Kingston Waterfront MLS Listings

Waterfront homes for sale Kingston Ontario are featured on this page. Check out our featured waterfront home listings. Search for waterfront properties in general. When you work with us you’re working with professional realtors who know and understand the intricacies of waterfront homes and living.

Waterfront homes for sale in and around Kingston are some of the most beautiful in Canada. But waterfronts also come with their own set of unique buying, selling or owning circumstances. Do you know what Riparian rights are and how the affect you? Could an easement affect your enjoyment of a beautiful waterfront property. Well what about, wells? We will guide you through the process.

At any time feel free to call us: 613 484 5458

Waterfront Homes For Sale – Search Emails

Searching for waterfront homes for sale in and around Kingston is fun. But let’s say you can’t find what you’re looking for today. Then in a few clicks you can set up an automated search with criteria you choose and the instant a property meeting that criteria comes on the market an email is sent to you. Don’t worry it’s easy to opt out at any time.

Waterfront home mortgages come with their own set of specific requirements and possible hurdles. Our agents are required to not only be registered real estate agents but also registered mortgage agents. The benefit for you is that the professional guiding and helping you search for and purchase your dream waterfront property is also able to perfectly mesh the right mortgage for the home at the same time.

Best of all you pay nothing for that service and because we’re independent from the banks we find you the best mortgage for your needs. But let’s say you want to stay with your current bank. That’s ok with us. By letting us handle the process for you;

We will do all the work you can relax.

We keep your bank honest.

May get a better deal because of our leverage.

Remain independent.

Be able to pay you some of the fee the banks pay us.

And you still pay nothing for our professional services.

You have nothing to lose and everything to gain by using our professional services.

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Contact Us

Contact us for all your real estate and mortgage needs in Kingston Ontario. Registered professional real estate and mortgage agents to handle all your property requirements. Most of the time our professional services are free of charge to you as the banks pay us a fee for doing all the work for them.

Homes for sale, buying, selling or arranging a mortgage or refinancing we cover it all. You benefit from professional agents who put all the pieces together without having to go from one provider to another. As a result we can do better for you!

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Real Estate and Mortgages Combined

Professional Happy People

Plan With A Realtor

Thank’s for taking the time to check out our MLS listings realtor site. Buying and selling property or securing a mortgage are big decisions, we’re here to help you with both. Planning is vital to getting the best price when buying or selling a home, condo or investment.

We love what we do, it’s our passion. We get you the best price every time regardless if you’re selling or buying, because we’re sales people at our core. Test the water. Use our Automated Email Property Search. It will send you an email the instant a new property meeting your criteria is listed.

Call: 613 484 5358

Act On Listings

When you’ve decided to buy, sell or invest in a condo, home or investment you want and need answers in real time so we’re available 24/7. Finding the right mortgage to suit your needs is the first step in achieving your property goals.

We anticipate your needs, that’s one reason why we’ve built our MLS Realtor site in an intuitive way. It’s packed with information, advice, tips, maps, links and tools to help you research and find the right home, Condo, investment, mortgage or loan.

Call: 613 484 5358

Succeed With MLS

Succeed with access to MLS search listings when it’s convenient for you, check out the best mortgage rates and much more. Mortgage calculators are a great place to start. When you’re ready to see a listing in person, or just have a simple question, please feel free to contact us! Contact Us.

Follow us on Social Media. Sign up for our free membership. There are a host of financial incentives and up side for you with zero down site to membership. Check out some of the membership benefits here.